Help with Low Credit Score Car Loans | Napleton River Oaks Kia

Napleton River Oaks Kia Credit Refresh Program
No Worry Bad Credit Car Loans
At Napleton River Oaks Kia, we believe each of our guests should have access to a reliable vehicle, even if they have less than perfect credit. That's why Napleton River Oaks Kia is dedicated to assisting guest's with credit issues, so they may afford a quality vehicle they love. 

Poor credit shouldn't restrict you from having a reliable, affordable vehicle for daily use. Our goal at Napleton River Oaks Kia is 100% credit approval. At Napleton River Oaks Kia, you are more than just a credit score.

Ask us About the Zero Down Programs Available

What is the Napleton Credit Refresh Program?

Napleton River Oaks Kia's Credit Refresh Program is our commitment to the goal of 100% auto financing approval. Through our partnership with the National Dealer Lending Network, our customers are given access to more vehicles than they would be able to find at other dealerships. We have designed a financing program for clients of many financial backgrounds and we will take the time to explore every option possible as it relates to your financial profile.

Our core belief is that everyone should have access to a personal vehicle and that is why the Napleton Credit Refresh Program is designed to put you in the driver's seat. Regardless if you have a bad credit, low credit score, or outstanding debt, Napleton River Oaks Kia is here to alleviate the stress of awaiting approval odds.

Q: How do I get started?
A: The best way to see if you qualify is by giving our finance department a call to discuss your options then visit our dealership to meet with a secondary auto loan specialist. If you try pulling a hard credit report without visiting us, you can lower your credit score more and minimize your chances of qualifying for a loan.

Q: How much income is required?
A: A significant factor taken into consideration by auto financing lenders is current proof of income. In general, lenders require $2,000 of gross income per month or $2,500 on joint applications. However, there can be exceptions, so it is best to share as much information as possible: pay stubs, bank account statements, etc.
Auto Loan Financing with Bad Credit

At Napleton River Oaks Kia, we say "Yes!" to second chances and we are happy that you are considering Napleton River Oaks Kia. Thank you in your interest in taking advantage of the Napleton Credit Refresh Program and please let us know if you have any questions!


Financing Department Hours

  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 9:00pm
  • Saturday 9:00am - 6:00pm
  • Sunday Closed

Message Our Financing Department